Liability insurance

General civil liability

Covers from claims related to bodily injury and material damage, as well as claims related to infringement of personal rights.

Professional civil liability

Liability covers for acts or omissions concerning any profession and professional, bound by civil law and regulations.

Directors & officers liability

Offers the appropriate operational space to continue their activities in an undistracted and confident manner.

Environmental liability

Global warming, environmental issues and policies are of particular interest. The expansion of the EU legislative framework creates rigid requirements.

Civil liability for construction

Regardless of scale, the construction of a technical project gives rise to a series of obligations and responsibilities for the constructor or contractor.

Civil liability for events

Events with a great number of attendees are considered as high risk. The policy covers accidents that will occur during an event to third parties such as spectators, participating artists, and visitors.

The “Civil Liability for Businesses” policy offered to you by Total Advice Insurance covers third party claims related to bodily injury and material damage, as well as claims related to infringement of “personal rights” or harm from advertising.

Indicative coverages and benefits

The coverage relates to liability arising from:

• The activity of the business
• The consumption of its products
• The operation of its facilities
• Its advertising communication
• Employer liability towards employees

Suitable for

Businesses active in commerce, industry or services.

General civil liability and Total Advice Insurance

Total Advice Insurance customizes and supports tailor-made insurance policies that meet the needs of your business at the best possible cost, in cooperation with insurance companies both in Greece and abroad.

Professional Civil Liability covers liability for acts or omissions concerning any profession and professional, bound by civil law and individual regulations.

Indicative coverages and benefits

• Damages for third party claims arising from negligent professional practice
• Damages for third party claims for defamation/libel
• Infringement of intellectual property rights/breach of duty/breach of confidentiality
• Financial claims of third parties due to fraudulent acts / actions of employees
• Court Attendance Costs

Suitable for

Any Professional (Natural or Legal Person) who provides services for a fee, such as:

• Doctors
• Paramedical professions (physiotherapists, chiropractors, social workers, etc.)
• Lawyers
• Law firms
• Tech Companies
• Civil engineers
• Architects
• Engineering Consultancy Companies
• Technicians
• Plumbers
• Electricians
• Pharmacists
• Accountants
• Accounting firms
• Travel agents

Professional civil liability and Total Advice Insurance

Total Advice Insurance customizes and supports tailor-made insurance policies that meet the needs of your business at the best possible cost, in cooperation with insurance companies both in Greece and abroad.

The responsibility for the proper operation and development of a business lies with its directors and officers.

Today, their decisions become more difficult as they operate in a challenging macroeconomic environment. As a result, both themselves and the companies they represent often face legal claims for damages from investors or any interested party who believes that their interests are affected, attributing errors, omissions, mismanagement or even fraud to the officers themselves.

Directors & Officers Civil Liability Insurance with Total advice insurance gives officers and businesses the appropriate operational space to continue their activities in an undistracted and confident manner.

Indicative coverages and benefits

• Coverage of claims raised by shareholders, employees, customers, partners, competitors, suppliers, lenders and other third parties
• Costs of defense, out-of-court settlements and court decisions
• Coverage of executives and the company in relation to securities claims
• Coverage of labor practice issues
• Coverage of claims for non-pecuniary damage (moral harm) and infringement of personality rights

Suitable for

Any listed or non-listed companies.
The Insured Parties will be the Directors, any officers empowered to represent the company, as well as the employees of the company and its subsidiaries.

Directors & officers liability and Total Advice Insurance

Total Advice Insurance customizes and supports tailor-made insurance policies that meet the needs of your business at the best possible cost, in cooperation with insurance companies both in Greece and abroad.

Due to global warming, environmental issues and policies are of particular interest. The expansion of the EU legislative framework with the Directive 2004/35/EC (Presidential Decree 148) now creates rigid requirements regarding the restoration of the environment.

Under the legislative framework on environmental liability and the “polluter pays” principle, a company is obliged to immediately repair the environmental damage it has caused.

As a result, if a company has not planned to fortify itself by means of an environmental liability policy, it jeopardizes its normal business operations, since its obligations in relation to the environment have now greatly increased.

And this does not only concern companies whose operations are interconnected to possible environmental risks, but also any business, irrespective of its size, since all businesses now bear to a certain degree some responsibility towards the environment.

Indicative coverages and benefits

• Restoration or restitution of biodiversity
• Defense costs for the investigation, resolution and settlement of covered claims
• Costs of prevention and mitigation of impact from pollution or environmental damage
• Damage caused by a sudden or gradual pollution incident
• Cost of cleaning facilities (own or third party)
• Bodily Injury and Property Damage caused by pollution
• Costs of interruption of works due to pollution
• Environmental damage related to the shipment of products/waste
• Environmental damage related to construction projects
• Expertise to adapt the terms of an insurance policy to cover even the most complex insurance needs

Suitable for

• Plastics & Metals Industries
• Power industries
• Companies that use, store or process chemicals (e.g. paints, inks, adhesives, detergents, cosmetics, medications)
• Waste management companies (e.g. hospital waste, waste oils, etc.)
• Recycling companies (e.g. vehicles, electric batteries, etc.)
• Hotels, hospitals, shopping malls
• Contractors of public and private construction works

Environmental liability and Total Advice Insurance

Total Advice Insurance customizes and supports tailor-made insurance policies that meet the needs of your business at the best possible cost, in cooperation with insurance companies both in Greece and abroad.

Regardless of scale, the construction of a technical project gives rise to a series of obligations and responsibilities for the constructor or contractor. Such obligations are not limited to red tape and regulations, but also concern the completion and technical adequacy of the project. These could be failures in its construction as well as accidents affecting third parties or employed technical staff.

Indicative coverages and benefits

• Construction AllRisks (CAR) Insurance against all construction risks
• ΕrectionΑllRisks (EAR) Insurance against all risks for assembly projects (photovoltaics, wind farms, etc.)
• Risks from fortuitous events (fire, flood, explosion, tidal wave, etc.)
• Risks from natural phenomena (earthquake, natural disaster, subsidence, precipitation, landslides, land movements, etc.)
• Damage from riots, strikes, sabotage, etc.
• Damage from theft
• Cost of debris collection
• Risks from incorrect study, poor supervision, poor workmanship, administrative errors
• Civil liability for accidents to third parties or employees during the construction of the project due to human error or omissions
• Damage to or loss of the equipment of the contractor – constructor, the machinery used in a project or building materials

Suitable for

• Contractors – Subcontractors – Constructors & Owners of Projects such as buildings, roads, water supply, sewerage works
• Assembly projects such as photovoltaic or wind farms, metal buildings, production machinery, etc.

Civil liability for construction projects (CAR & EAR) and Total Advice Insurance

Total Advice Insurance customizes and supports tailor-made insurance policies that meet the needs of your business at the best possible cost, in cooperation with insurance companies both in Greece and abroad.

Events with a great number of attendees are considered as high risk.

Civil Liability for Events covers accidents that will occur during an event to third parties such as spectators, participating artists, and visitors.

Indicative coverages and benefits

• Personal injury
• Property Damage
• Event Cancellation
• Liability from fire, loading/unloading and assembly/dismantling of equipment and installations

Suitable for

Organizers of events, concerts, exhibitions, seminars, conferences and the respective exhibitors participating in the event.

Civil liability for events and Total Advice Insurance

Total Advice Insurance customizes and supports tailor-made insurance policies that meet the needs of your business at the best possible cost, in cooperation with insurance companies both in Greece and abroad.